Received Barclays Black MasterCard App

[SUMRFUN]

So I received this invitation app with a personal ID# with an APR at 15% over 30 days ago, an I have until Aug7th to respond. I seem to be on the fence about this one. Not sure if it's worth another HP (would be hard pull #4 since I haven't had any luck landing any accounts with Barclays). Honestly, I do not know what type of credit profile they are looking for. I have a clean Experian file at 732 fico, however my TU (680) and Equifax (682) have experienced a change since this invite came an are showing an old collection of $1012 from 2008 that was charged off an removed from report, reappeared again then removed again in 2015, an is now back on my reports (May 2017) at a double amount ($2049) which is false, an will be disputed. I have been gardening all year so I have no new accounts in the last 7 months. Inquiries are 15-experian, 13-TU and 14-Equifax with an AAOA of 1.1 years (newbie). Utilization is very low at 1% across the board for all 20 accounts. Total credit limits are $77K an there has never been any late payments on any report.
For those who know Barclays well...would you take a chance at it (apply) or stay in the garden for the rest of the year??

[Scupra]

Can I ask why you would want this card?

[Anonymous]

when you have to dedicate an entire page on the "construction" of the card....

[AverageJoesCredit]

Look at why you want the card , is it really worth it? If so go for it if not there are better cards out there imho

[Anonymous]

I don't have a clue what their underwriting looks like on this fancy-schmancy offering.  I've gotten approved for Barclay cards in the 660s, got decent limits too.  I am a little puzzled by their marketing...it's like they're embarrassed of the Barclay name, and bury it in the small print. 

I sidestepped the whole thing and ordered a Cap1 QS1 card in solid black...it's at no charge and it differentiates it from my other QS so I can tell which is which at a glance. 

Barclay seems to like me, unlike Chase & BofA, who don't seem to want me around.

[Anonymous]

Barclay pulls Trans Union so that is the only score that is important.  I got the Arrival + the day my Trans Union hit 700 and have several baddies on my Trans Union.  

[joltdude]

Is this card worth it.....

Non...

No...

Nichts

Nein

Nope....

Theres a cushy seat waiting in the garden for you =)

[MrDisco99]

If you really want that card, you're probably good to go.

However, I and many here would probably save that HP for something else.

[creditmonger]

Doesnt that card have an AF of 'like' $450?  

May I suggest a Jet Blue if you yearn for Barclays and travel?

good luck

[Anonymous]

Dw got one of these offers a while back.  At $450 we could not see the benefits.   If I traveled a lot I would go Amex Plat myself imo.